Florida during the winter can be in the low 60s/mid 50s and windy on average with a random rain shower. This jacket is perfect for those conditions so far this year. It has a light bonded insulation good for I'm sure 40's and above with nothing but a t-shirt (it's yet to get that cold). I like to go backpacking as well as walking around theme parks, this has been perfect in high 50s with wind. It will keep you dry in a light rain for some time but it's not a hooded rain jacket and not designed to replace one.